The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$23,281
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,006
−HK$735/mo
Today · 4.125%
HK$24,741
baseline
▲ 0.50% · 4.625%
HK$26,247
+HK$1,506/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,482/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,900
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,595
−HK$705/mo
Today · 4.125%
HK$27,300
baseline
▲ 0.50% · 4.625%
HK$28,739
+HK$1,439/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,600/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,938
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,807
−HK$883/mo
Today · 4.125%
HK$29,690
baseline
▲ 0.50% · 4.625%
HK$31,496
+HK$1,806/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$59,380/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,080
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,914
−HK$846/mo
Today · 4.125%
HK$32,760
baseline
▲ 0.50% · 4.625%
HK$34,486
+HK$1,726/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$65,520/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,594
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,608
−HK$1,030/mo
Today · 4.125%
HK$34,638
baseline
▲ 0.50% · 4.625%
HK$36,746
+HK$2,108/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,276/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,261
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,233
−HK$987/mo
Today · 4.125%
HK$38,220
baseline
▲ 0.50% · 4.625%
HK$40,234
+HK$2,014/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,440/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,907
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,210
−HK$1,325/mo
Today · 4.125%
HK$44,535
baseline
▲ 0.50% · 4.625%
HK$47,244
+HK$2,709/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,070/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,621
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,871
−HK$1,268/mo
Today · 4.125%
HK$49,139
baseline
▲ 0.50% · 4.625%
HK$51,730
+HK$2,591/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,278/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,876 · Scale 2, in force from 26 Feb 2026)